i had my payments lowered this year by £82 and my hubby's by £25 and we have to pay an extra year payments to make up the short fall.

i know what you mean that how we got into debt with crefit cards then got a loan to pay them off then ran them up again this happened 3 times and me and hubby ended up with 3 loans and still 4 cards im 2 years 2 months into my IVA and hubby 7 months in to his we have 6 year IVA because we had to red...

thay have been sending letters since i lived here i just put tham back in post saying not known at this address. yes it's very good to know they are not chasing me

had a phone call from capquest yesterday they was chasesing a debt at my address lucky it was not one of mine it was for someone who lived here before me but it makes me laugh i have lived here for nine years so i guess the person they are looking for have avoided there debt for this amount of time ...

i shop at asda most off the time as i work there so get 10% off my shopping which is good when i come to pay.

i know how you feel im 30 in november and i thought i would not be able to do anything cos never have any spare cash but my mum has kindly offered to do me a party and it won't cost me a penny i have been in IVA 2 years now and i only told my mum about 3 months ago best thing i did she understands e...

we don't pay anything on the charging order will have to sort it out when IVA finish
when i spoke to Northern rock they said we could make an offer to them it doesn't have to be the full amount so will see where we are with that at the end od IVA

when you find out let me know not sure my car going to last till end of IVA it was an opition i was looking into as it would take me a while to save up and buy a car but if you have to pay for car tax mot etc on top of lease price it could work out to expensive

im just courious when you lease a car do you have to pay for car tax,MOT, and insurance on top or does it all come in with hire price.

I know how you feel both me and hubby have IVA's but northern rock have a charging order so we will have £20,000 debt to sort out at the end of our IVA's don't know if i will have any equity to remortgage because we are about £5,000 in negative equity at the moment. can i ask do you pay any thing no...

i have a debit card i opened my new account with halifax before my IVA was approved while my credit rating was still good ive had IVA 2 years and still got card not had any problems.

me and husband are having a varation meeting on monday to reduce our montly payments our IP is proposing the IVA to extend for and extra year makeing a 6th year IVA so they get back the same pence in £ my question is do we remoragae in the 4th year or the 5th year.

my husband got the same letter today he had a loan which was included in the IVA his letter said more or less the same im not worried as his IVA is still ongoing but im sure yours will be fine just show them the completion certifcate.

i also pay by standing order as i get paid every 4 weeks so the date changes from month to month when i get paid so i can just go on line banking and just change the date it comes out i feel more in control this way.

i have just applied for the paypal card im going to put so much on a month and save for xmas i think they are a goos idea been looking at them for a while think paypal is cheapest and no fees.